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Being in your 60’s won’t mean you have pay extremely high prices for a burial insurance plan. Furthermore, you won’t by default have to endure a waiting period. There are tons of burial insurance companies that will offer you first day coverage and a rock bottom price.

Quick Article Guide

  1. Life Insurance And Retirement
  2. Why Get A Burial Insurance Plan?
  3. How To Find The Best Burial Insurance Over 60
  4. How Health Issues Impact Getting Burial Insurance
  5. Burial Insurance Costs Over 60


Life Insurance And Retirement

Most people look forward to retiring in their 60’s. One thing most people don’t realize about retirement is that life insurance benefits almost never persist post employment. In our experience, it’s unbelievably rare that company provided life insurance can be maintained after you quit working. Even the benefit rich positions with state and federal governments typically don’t give their employees life insurance after their employment ends (for whatever reason).

Burial Insurance Over 60

Here are the questions you must ask your employer about your life insurance benefits. Getting the answers to these questions will give you all the information you need to make an educated decision.

  1. Once I retire, will my life insurance benefits still be in force?
  2. If so, what will the death benefit be and will it ever change?
  3. If so, how long will the coverage last?
  4. If so, will I have to pay for the coverage, what will the price be, and will the price ever change?

If you are still working and you discover that your life insurance benefits will end once you retire, get a plan on your own as soon as possible. If you wait until you are retired (however far away that is) you run the risk of developing health issues. Depending on the nature of the health condition(s), you could be forced to endure a waiting period and/or pay a lot more on your monthly premiums.


Why Get A Burial Insurance Plan?

When you pass away, there are two questions your family must answer.

How do we pay for your funeral expenses?

What were your final plans and preferences?

Here’s the bottom line

If you don’t prepare for these two issues, your family will have to. Taking the time now to plan ahead will alleviate your family from a financial and emotional burden.

Here at Choice Mutual we can help you tackle both issues. First is a final expense life insurance plan to ensure your funeral costs are all paid for. Second, we will help you put together a documented guide that clearly spells out all your end of life preferences.

When that day comes, your family will have the money to pay for everything, and they won’t have to make a single decision about how to arrange your funeral. Because you took care of it all, they won’t have to.

Burial Insurance Over 60

How To Find The Best Burial Insurance Over 60

We have a straightforward formula that you can follow to find your best burial insurance plan. However before we do we need to clearly define what constitutes the best burial insurance.

The best burial insurance is simply the lowest cost burial insurance policy that covers you the soonest, and is provided by a financially stable insurance company.

There are lots of burial insurance plans available from many different insurance companies. All of them accept and decline applicants for different health reasons. In the end, your best burial insurance plan will be from one of the insurance companies that is accepting of all your health issues.

Formula To Find The Best Final Expense Policy

Your main task is to find the right kind of agency that will help you find your plan. It’s identical to how you rely on your doctor to manage your health issues. It’s the same with burial insurance. In essence, you need to find a burial insurance doctor.

Here’s what you need to look for:

  1. The agency must be independent
  2. They must represent no less than 10 different insurance companies
  3. They must have ample experience specifically in the burial insurance market

An independent agency like us will assess your health, so we can determine which funeral insurance companies will be most accepting of all your conditions. Then its just a matter of sorting all the quotes by price to see which company is going to give you the best deal.

Here’s the deal

With all our hearts we hope you will give us the opportunity to earn your business. However, if you decide to work with another agency, please just make sure they meet the above requirements.


How Health Issues Impact Getting Burial InsuranceBurial Insurance Over 60

As you may or may not know, health is a major factor that determines what you pay for any kind of life insurance. Whatever conditions you might be dealing with will come into play when you apply for a burial insurance plan.

Easily the most unique element to final expense life insurance is the incredibly relaxed underwriting. They designed these plans to accept all sorts of very serious health issues.

Every burial insurance company has their own underwriting guidelines. They all accept and decline different health conditions. Given the amount of burial insurance companies on the market, there is a good chance there is at least one out there that will gladly accept all of your health issues.

At Choice Mutual, over 90% of our clients are approved for a plan with a company whereby their benefit protects them in full from day one. Without knowing anything about your health, we can’t give you any definitive expectations. However, statistically speaking it is safe to say that there is a really good chance we can get you immediate coverage.

Here are some of the health issues where it is impossible to secure a plan that fully covers you immediately. You can still get coverage at a low rate, but you will have a plan that only pays a partial or no death benefit during the first two years.

  • Congestive heart failure
  • Dialysis
  • Transplants
  • Cancer within the last 2 years
  • Heart attack or stroke within the last year
  • Oxygen use (except for sleep apnea)
  • Dementia or Alzheimer’s

There are a few other fringe situations where a person might not be eligible for a full immediate death benefit. With that, if you have health issues that aren’t on that list, we are nearly certain you can get instant coverage with some company. And you know what- We will find it for you!


Burial Insurance Costs Over 60

If you want to get some instant quotes for whatever benefit amount you might be interested in, just fill out the quote form on this page. You will see a list of real prices from lots of burial insurance companies that offer plans in your state.

You can also click on the links to each of the below articles to see some sample rates for $5,000, $10,000, $15,000, and $20,000.

Just remember to take immediate action and apply as soon as possible if you know you want a plan. If you wait, you run the risk of developing health issues that could cause you to pay more, and make you ineligible for an immediate death benefit.